韓國銀行將開始針對一般用戶的數字貨幣進行真實的交易測試。

七家商業銀行將參加該實驗，在這些銀行持有存款帳戶的消費者可以通過在銀行開設存款令牌電子錢包來參與。

The Bank of Korea will begin a real transaction test for digital currency targeting general users. A total of seven commercial banks will participate in the experiment, and consumers who hold deposit accounts at those banks can participate by opening a deposit token electronic wallet at the bank. The deposit tokens can be used at designated locations such as bookstores, convenience stores, and coffee shops.

韓國銀行將開始針對一般用戶的數字貨幣進行真實的交易測試。共有七家商業銀行將參加該實驗，在這些銀行持有存款帳戶的消費者可以通過在銀行開設存款令牌電子錢包來參與。存款令牌可用於指定地點，例如書店，便利店和咖啡店。

The central bank, the Financial Services Commission, and the Financial Supervisory Service announced their plans to implement a “digital currency test” with general users and will begin pre-registration for participants. Pre-registration will start on the 25th and will be conducted by each bank, while the real transaction test will take place from the 1st of next month to June 30th.

中央銀行，金融服務委員會和金融監管服務宣布了他們與普通用戶實施“數字貨幣測試”的計劃，並將開始為參與者進行預註冊。預註冊將於25日開始，並將由每家銀行進行，而實際交易測試將從下個月至6月30日進行。

Any South Korean citizen aged 19 or older who holds a demand deposit account at a participating bank can apply to join the test. The participating banks include KB Kookmin Bank, Shinhan Bank, Hana Bank, Woori Bank, NongHyup, Industrial Bank of Korea, and Busan Bank. Participation is limited to a maximum of 100,000 people, and pre-registration and issuance of deposit token electronic wallets will be conducted on a first-come, first-served basis.

在參與銀行持有需求存款帳戶的19歲或19歲以上的任何韓國公民都可以申請參加測試。參與的銀行包括KB Kookmin Bank，Shinhan Bank，Hana Bank，Woori Bank，Nonghyup，韓國工業銀行和釜山銀行。參與最多限於100,000人，並且將以先到先得的基礎進行預註冊和發行令牌電子錢包。

Those who have completed pre-registration can open their electronic wallet non-face-to-face via the participating bank’s app starting at 10 a.m. on the 1st of next month. The holding limit for deposit tokens for general users is 1 million won, and the total conversion limit to deposit tokens during the period is capped at 5 million won. After the conclusion of the real transaction, any remaining deposit tokens held by the user will be lump-sum deposited into their demand deposit account.

那些已經完成預註冊的人可以通過參與銀行的應用程序從下個月的上午10點開始通過參與銀行的應用程序打開其電子錢包。普通用戶的存款令牌的持有限額為100萬韓元，在此期間，保存令牌的總轉換限額為500萬韓元。實際交易結束後，用戶持有的任何剩餘的存款令牌都將集中 - 存放在其需求存款帳戶中。

After linking their demand deposit accounts with the bank, users can convert deposits into deposit tokens and purchase goods and services at both online and offline stores. The places of use include ▲ bookstores (all branches of Kyobo Bookstore, excluding online) ▲ convenience stores (all branches of 7-Eleven, excluding unmanned stores) ▲ coffee shops (Ediya Coffee, about 100 stores concentrated in Busan and Incheon) ▲ supermarkets (6 branches of NongHyup Hanaro Mart) ▲ home shopping (Hyundai Home Shopping, mobile web and app) ▲ K-POP goods (COSMO, PC and mobile web) ▲ delivery platforms (Ddaenggyeoyo, mobile app), etc.

將其需求存款帳戶與銀行聯繫起來後，用戶可以將存款轉換為存款代幣並在線和離線商店購買商品和服務。使用場所包括▲書店（京東書店的所有分支，在線不包括）▲便利店（7-11的所有分支機構，不包括無人的商店）▲咖啡店（Ediya咖啡，約100家商店，大約100家商店，集中在商和Incheon中），襯里和伊吉尼（Nonghhyup Marts Shoops）（6個nonghhy hiss Shoops y himhy hiss Shopping y Home thabie thabie tharmy hiss Shopping ip）商品（Cosmo，PC和移動網絡）▲送貨平台（Ddaenggyeoyo，移動應用程序）等。

Transactions will be conducted via QR codes, allowing payment (by the user) and receipt (by the service provider) regardless of the bank that issued the electronic wallet. For instance, a user with an electronic wallet from Bank A can make payments at a service provider with an electronic wallet from Bank B. This differs from specific service users who can only make payments at the affiliated stores of that service. Unlike other payment services, the service providers immediately receive sales proceeds like cash and do not pay separate fees to the bank that issued the electronic wallet.

交易將通過QR碼進行，無論發行電子錢包的銀行如何，用戶）和收據（由服務提供商）進行付款。例如，擁有銀行A的電子錢包的用戶可以在Bank B中使用電子錢包的服務提供商進行付款。這與特定的服務用戶有所不同，這些用戶只能在該服務的附屬商店付款。與其他付款服務不同，服務提供商立即收到諸如現金之類的銷售收益，並且不向發行電子錢包的銀行支付單獨的費用。

Meanwhile, the program for the digital voucher, prepared in collaboration with the Ministry of Science and ICT, the Korea Internet & Security Agency, and the Financial Services Commission, will be conducted in connection with community programs and university projects (Seoul, Daegu, Silla University, Busan) that have a significant relation to people’s livelihoods, such as cultural activities, youth support, childcare, and small business support. The procedures for implementing the digital voucher program are currently underway, and details will be provided when real transactions commence.

同時，將與科學和ICT，韓國互聯網與安全局和金融服務委員會合作準備的數字優惠券計劃，該計劃將與社區計劃和大學項目（Seoul，Daegu，Daegu，Silla University，University，busan）一起進行，這些項目與人們的謀生活動有很大的關係，例如，與人們的謀生活動有關，例如文化活動，年輕人支持，兒童養育企業和小型企業。目前正在進行實施數字優惠券計劃的程序，並在實際交易開始時提供詳細信息。

A Bank of Korea official noted, “After the conclusion of this real transaction, we plan to reflect on the necessary improvements gathered from users’ feedback and to refine the system before conducting additional real transaction tests,” adding, “The real transaction test will aim to discover and apply additional use cases such as person-to-person transfers utilizing programming functions and various digital voucher programs.”

一位韓國官員指出：“在這項實際交易結束後，我們計劃反思從用戶反饋收集的必要改進，並在進行其他實際交易測試之前進行完善系統，”補充說：“實際交易測試將旨在發現和應用其他用途案例，例如使用其他使用程序的人使用編程功能和各種數字voucher程序。”